Construction costs of a single-family house with a basement and double garage

I will have the construction cost breakdown prepared, of course... I also understand that the bank wants to see something like that. My plan would be to size the loan somewhat more generously, better than having to arrange additional financing...

- in case the self-contribution doesn't work out as expected,
- in case costs were forgotten,
- in case wishes arise.

That I only get money that goes into the construction: also clear. Then I will simply draw from the loan first and have equity left at the end. No one can forbid me that.

... Then I'll just withdraw from the loan first and have equity left at the end. Nobody can forbid me that.

I haven't really followed the thread, but I have to say that most banks require the main part of the stated equity to be used first before the loan is disbursed.

After all, the interest rate also depends on your equity – so that must be fully (well, let's say around 70/80%) invested in the house.

Yes, you have to explicitly clarify with the bank whether equity can be withheld. Alternatively, you could see if you don't declare part of the equity to the bank in the first place.

We are building a turnkey 146 sqm house with a basement and a Zapf garage in a suburb of Nuremberg, including painting and flooring work, etc. Without exterior facilities, the cost comes to 350k.

I will have the construction cost statement prepared, of course... I also understand that the bank wants to see something like that.
My plan would be to size the loan a bit more generously, better than having to finance later...

- in case the own contribution doesn't work out as well as expected,
- in case costs were forgotten
- in case additional wishes arise.

That I only receive money that goes into the construction: also clear.
Then I simply withdraw from the loan first and have equity left at the end. Nobody can forbid me that.

Exactly the opposite is the case. It is common that equity is contributed first. This is part of the contract. You can negotiate to keep back a smaller part.
Taking on "too much" money as a buffer leads to a lower loan-to-value ratio and affects the terms. Possibly acceptable in moderation.

Peanuts, it was his idea to pay back money afterwards. But that will fail simply because taking on significant sums of "too much" money is not possible.

I have to ask a really basic question: Due to a very difficult plot situation (plot is a long tube with 600sqm, bends about 45 degrees after approx. 7m and allows a maximum building width of 7m at the front and only 6m after the bend, each as boundary development), we are considering an architect-designed house. Despite the difficult plot situation, we have drawn a plan that we are quite satisfied with and would like to go to an architect for further consultation. When I now always read about construction costs of 2000-2200 per sqm, is the architect's fee already included or not? Because that is also a huge item....